Research On Marketing Strategy Of Personal Finance Of Commercial Banks Of CGB

With the continuous development of national economy,rising living standards of urban and rural residents,and increasingly rich material demand.Under the impetus of the Internet financial,national finance consciousness enhancement,the asset management business is increasingly important in the position in Chinese filnancial institutions,rapid growth of asset management demand will provide opportunities for the development of domestic financial business.Personal financial business innovation can promote the development of banking business,promote the business model transformation,strengthen banking industry competition ability,for the construction bank for high profits,the best leading Banks to provide important conditions.At present,the financial markets different bank financial products in form,content and marketing channels are the same,the serious homogeneity phenomenon,the bank's wealth management products less attractive.In the face of fierce market competition,how to find the problems existing in the bank financing business,how to use marketing stability existing customers and attract new customers,to promote the development of bank financing business and raise the overall competitiveness has important theoretical significance and practical significance.This paper in our country commercial bank individual financing business on the basis of the present situation and the marketing environment,to guangfa branch F as an example,the analysis of the bank on the personal financial business marketing advantages,problems and their reasons,and suit the remedy to the case,from financial product design,product marketing channel,customer relationship maintenance and professional cultivation,optimization of guangfa bank,F branch of personal financial business marketing strategy.And the main point of the research conclusion:1.Our country commercial bank individual financing consciousness enhancement,the scale expands unceasingly,financial product quantity rising,more convenient business applications,management more standard,but the lack of market analysis,business focus blur.Stable macroeconomic environment,industry environment,competitive threat.2.Guangfa bank F branch in personal financial business marketing attaches great importance to the market segmentation,meet the demand of investment,separate marketing and financial management mechanism,optimizing service quality,utilizes information network technology,expand marketing channels,rich product variety,improve product competitive advantage,but there is also a financial product homogeneity serious instability,branch network,customer structure,its backward product publicity,insufficient construction of the reasons is the insufficient financial product design highlights,the lack of customer loyalty training,management and technology remains to be perfect.3.Guangfa branch F can optimize the design of individual wealth management products,improve the personal finance product marketing channel,in order to strengthen the management of personal finance business of the customer,strengthen professional personnel training to optimize guangfa F branch personal financial business marketing strategy,and through the security measures to support.